Open Enrollment Overview City of Clearwater 2019 Plan Year

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1 Open Enrollment Overview City of Clearwater 2019 Plan Year 100 S. Myrtle Ave Clearwater, FL

) Make Any Changes During This Period Add/Drop Eligible Dependents Elect Flex Spending

2 Open Enrollment Benefits 2019 Friday, September 28 th - Friday, October 26 th at 5:00 P.M. (Please note end time of 5:00 P.M.) Make Any Changes During This Period Add/Drop Eligible Dependents Elect Flex Spending Accounts (FSA) Enroll/Terminate Other Benefits Changes are effective January 1, 2019 NO Changes Permitted During the Year Without a Qualifying Event 2

3 City Premium Payment Plan Employees are Automatically Enrolled in the City s IRS Section 125 Qualified Premium Payment Plan When Electing Benefits: i.e. Medical, Dental, Vision Premiums are Deducted Pre-tax from Your Paycheck. No Changes to Elections Outside of Open Enrollment Except for Qualifying Events *30 Days to Notify HR of Qualifying Event, Per IRS Section 125 3

Benefits Committee CWA: Mike Head, Matt McCombs, Roberta Gluski, Alternates: Phil Hughes FOP Officers: Officer Steven Squillante, Vacant Seat FOP Supervisors: Sgt.

4 Benefits Committee CWA: Mike Head, Matt McCombs, Roberta Gluski, Alternates: Phil Hughes FOP Officers: Officer Steven Squillante, Vacant Seat FOP Supervisors: Sgt. Joel Morley IAFF: Stephen Colbert, Matt Schad SAMP: Gina Clayton, Sandy Clayton, Lisa Brown-Friday, Jay Ravins Retirees: Karen Dombrowski (Contact Info on 4

5 Cigna OAP Medical Plan for 2019 Continue With Cigna Open Access Plus (OAP) Plan. There will be a 6.5% Increase in Premiums From the 2018 Rates (Compared to overall industry trend of 8 to 12% increase) Employees No Charge for Employee Only Coverage Employee + 1 Coverage will Increase by $9.39 per Pay Employee + Family Coverage will Increase by $19.73 per Pay 5

6 Cigna OAP Medical Plan for 2019 Continue with Cigna Open Access Plus (OAP) Plan. There will be a 6.5% Increase in Premiums From the 2018 Rates (Compared to overall industry trend of 8 to 12% increase) Retirees Retiree Only Coverage will Increase by $43.86 per Month Retiree + 1 Coverage will Increase by $75.16 per Month Retiree + Family Coverage will Increase by $ per Month 6

7 Cigna OAP Medical Plan for 2019 No Changes to the Schedule of Benefits Same Co-Pays, Deductibles and Co-insurance as 2018 for In-Network Services Primary Care Co-Pay $20/Specialist Co-Pay $40 Deductible $ 2,000 Individual/$ 4,000 Family Out-of-Pocket Limit $ 3,500/$ 7,000 Co-Insurance for Inpatient Hospitalization 10% Employee/90% Cigna Emergency Room $150 Co-Pay Per Visit Urgent Care $75 Co-Pay Per Visit 7

8 Cigna OAP Medical Plan for 2019 Prescriptions Generic: $10 Preferred Brand Name: $30 Non- Preferred: $50 90 Day Supply (for 2 Months Co-pay*) Available at Walmart and CVS, in Addition to Mail Order Program Prescription Must be Written for a 90 Day Supply 8

9 Employee Health Center No charge to use! Stocked generic medications Available to employees, retirees, and their eligible dependents who are enrolled in the City s medical insurance plan New Health Coach Nailah Ramsingh 9

Unavailable Alternative to Costly Urgent Care/ER Visits Use Telehealth for Symptoms such

10 Telehealth Services Speak to a Physician by Phone or Video! No Co-Pay Charge for the Visit Use on Nights/Weekends when Primary Care Physician Unavailable Alternative to Costly Urgent Care/ER Visits Use Telehealth for Symptoms such as: Sore Throat Allergies Headache Fevers Rash Cold or Flu It s easy! Just register at AmWellforCigna.com or MDLIVEforCigna.com 10

Got Questions About Insurance or Bills?? Send Your Questions to: cityofclearwater@gehringgroup.

11 Got Questions About Insurance or Bills?? Send Your Questions to: or Call Toll Free: If ing: Please Do Not Personal Information i.e. SS# or DOB 11

12 An Ounce of Prevention is Worth A Pound of Cure! Preventive Care is Covered at 100% Well Woman/Man Exam Mammogram Pap Test PSA Test Lung Cancer Screening (Limitations Apply) Colonoscopy (Co-Pay Only) Preventive Exams & Routine Screenings are Encouraged and Can Detect Early Warning Signs of a More Serious Health Issue! 12

13 Dental Insurance 2019 Cigna P5X00, Cigna F1-09, & Cigna PPO No Changes to Schedule of Benefits and No Increase in Premiums. 13

14 Dental Insurance 2019 Assurant Low-Option is now Sunlife Financial All Enrollees will Receive a New Card Schedule of Benefits will Remain Unchanged Bi-weekly Premiums have been Reduced by 15% Employee Only Coverage: Reduced - $4.25 to $3.61 Employee + 1 Coverage: Reduced - $7.19 to $6.11 Employee + Family Coverage: Reduced - $11.33 to $

15 Dental Insurance 2019 Sunlife Financial (formerly Assurant) Bi-weekly Premiums have been Reduced by 15% Retiree Only Coverage: Reduced - $8.49 to $7.22 per month Retiree + 1 Coverage: Reduced - $14.37 to $12.21 per month Retiree + Family Coverage: Reduced - $22.66 to $19.27 per month 15

16 Dental Insurance 2019 Pediatric Dentist Age Limits Cigna At or after seven (7) years of age, the child needs to see a general dentist. SunLife (formerly Assurant) - At or after eighteen (18) years of age, the child needs to see a general dentist. 16

17 Vision Insurance 2018 Humana Vision Plan will Remain as Our Vision Provider with No Plan Changes and No Increase in Premiums 17

18 Flex Spending Accounts 2018 Administered by Aflac Through WageWorks. Flexible Spending Account Limits: $2,650 for Unreimbursed Medical $5,000 for Dependent Care IMPORTANT! FSA Requires a New Online Enrollment Each Year, It Does Not Roll Over! 18

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20 Enrolling in Your Benefits for 2019 You Only Need to Go into BenTek if You are: Making Changes to Benefit Elections for 2019 Adding/Removing Dependents to Your Plans Updating Your Beneficiaries for Life Insurance Enrolling in Your 2019 Medical or Dependent Care Flexible Spending Accounts AGAIN! FSAs Do Not Automatically Roll Over Must Enroll Annually! 20

21 If waiving medical insurance coverage, you must provide proof of other coverage for yourself only and complete a waiver form. See an HR Rep for the Form. You must meet with Aflac Representative Frank D Ascoli if you are adding, dropping, or making any changes to your supplemental insurance elections. If you make changes in the BenTek system, you must click on I Agree and Submit on the final page. If you exit before clicking SUBMIT, your changes will not be saved. 21

22 All election changes must be completed online no later than 5:00 P.M. on Friday, October 26, 2018! City Offices and BenTek Support Close at 5:00 p.m. That Day! City s Online Benefit Enrollment System Thank You! 22

Benefits Committee Meeting August 2, :00 p.m. Main Library Conference Room

Benefits Committee Meeting August 2, 2017 1:00 p.m. Main Library Conference Room Committee Members in Attendance: Mike Head, CWA; Roberta Gluski, CWA; Matthew McCombs, CWA; Stephen Colbert, IAFF; Sandra